"Rost Bank": reviews. Loans, deposits, branches

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

In our country there are a huge number of banks - both very large and very small, little known. However, the value is not always an indicator of the best quality of service, advantageous offers and conditions, although it does not exclude such a possibility. Many, when deciding on the choice of a credit institution, are guided by its "name", that is, fame. However, this is not the best way. Before becoming a client of a particular bank, you should carefully study all the nuances of working with it, find out the rating, read the reviews of those who have already used its services. In this article, we suggest that you familiarize yourself with the Rost Bank organization. Reviews, rating, conditions for loans and deposits, as well as other information important for a potential client, will be offered and evaluated in the submitted material. So let's get to know each other.

About the bank: history

JSC "Bank Growth" bears the history of twobanks, which, as a result of the merger, formed a new credit organization with the same name. Initially, there was a bank "Kazansky", which has been operating on the market since 1994. It was then that the first deposit was opened in it and a department for servicing individuals was created. At the time of opening, the authorized capital of the partnership amounted to only 100 thousand rubles, and on the day of accession it was fixed at around 1.675 billion rubles.

Over the years, the bank has been transformed into a joint-stock company, continuously developed, increased its assets, expanded its network of branches and representative offices throughout the country. And in June 2013, he assumed the role of a "foster parent", joining the joint-stock bank Rost, which at that time had an authorized capital of 2.375 billion rubles and more than 30 billion rubles of assets. This event became very significant in the financial life of the country - a really powerful, large and stable credit institution was formed with a wide branch network and impressive financial performance.

Bank today

Credit organization JSC "Bank Rost" operates on the basis of the General License of the Bank of Russia throughout the country with the main office in Moscow. Its distinguishing feature is a reasonable conservative strategy associated with work only in the real sector of the economy, and the main source of income has been and remains lending to enterprises in this sector, as well as the service sector. Through the recent merger of capital and assets, the bank has expanded its ability to finance and provideloans. According to the statement of the credit institution itself, its main value is the interests and needs of customers, and all relationships are built based on long-term cooperation. Its significant advantage and pride is its reliability, proven over the years.

The main beneficiary of the bank at the moment is Elena Vlasova (back in 2012 she acquired the bulk of the shares of Kazansky), which owns about 50.5% of the shares. The remaining significant part is in the hands of four other shareholders - Anatoly Zolotykh and Valentina Aleksashina (about 16.6% each), Elena Tarasova and Elena Kossova (about 8% each). Artem Khenkin is the president of the bank, and Vsevolod Morozov is the chairman of the board of directors.

"Rost Bank" maintains correspondent relations with large Russian ("Rosbank", "Uralsib") and foreign (Commerzbank, Dautsche Bank, VTB Bank, etc.) credit institutions. He is a member of the Association of Russian Banks, the Moscow International Monetary Organization, participates in the trading of the foreign exchange market of ZAO MICEX Stock Exchange and OAO Moscow Exchange.

Positions and ratings of the bank

Today OJSC "Rost Bank" is in the TOP-100 largest credit institutions in Russia. This is a very important confirmation of reliability and proof of the bank's ability to meet the needs of its customers in financial and credit services. The entry of the organization into this list is due to a number of principles of its daily work:

• fairly conservative investment and credit policy;
• work mainly with the real sector of the economy;
• combining personalization with innovation in customer service;
• availability of bank products and services;
• openness for partners and clients;
• good risk assessment.

Today we can observe an adequate loan portfolio with good quality indicators, which, thanks to the observance of these strategic principles, has formed Bank Growth over the years of its existence. The credit rating assigned to it by Expert RA in 2014 was upgraded to A+ (very high) with a developing outlook. According to Standard & Poor's, the bank received a long-term credit rating of "B-" and a short-term credit rating of "C" with a "stable" outlook. Both agencies spoke positively about the quality of the organization's loan portfolio, estimating it quite highly. This gives reason to believe that the organization is stable and you can trust it with your money. Many people make deposits or apply for loans in the branches of Rost Bank. Expert reviews predict stable and systematic development and strengthening of the organization's position in the financial services market.

It is interesting that the bank has its honorable positions in the regions. Thus, a branch of the organization "Bank Rost" (Rostov-on-Don) won first place in the competition held by the Guarantee Fund of the Rostov Region. It took place in August 2013 and was associated withprovision by the fund of guarantees for loans to small and medium-sized businesses. Interest rates, conditions and reliability of the organizations themselves were evaluated. As a result of the victory, an agreement was signed for the amount of 20 million rubles, which was received by Bank Growth (Rostov-on-Don) for lending to the real sector.

Bank services

Like most credit institutions, the bank offers its customers a full range of standard financial services. Bank Growth accepts deposits and deposits, issues loans to private and corporate clients, medium and small businesses, provides settlement and cash and depositary services, provides guarantees, works with letters of credit, conducts payroll and other projects. Their complete list is quite wide. Some of them operate throughout the entire territory of our vast country, some specific services are provided only by Rost Bank-Moscow (for example, related to interbank lending).

The overwhelming majority of the population are most interested in the terms of deposits and lending opportunities. It is on them that we will dwell in more detail.

Deposits: types and conditions

Simplicity and convenience are important criteria for all products offered by Bank Growth. Contributions are a vivid confirmation of this. In a credit institution, there are two main types of investments for private clients. These are the "Free GROWTH" and "Maximum GROWTH" tariffs. Let's take a closer look at the conditions of each of them.

Free

The first is a kind of wallet with"dropping" interest on it. What does it mean? This deposit is opened on demand, and the withdrawal of funds does not affect the size of the interest rate. You can replenish your account, as well as make withdrawals, at any time. At the same time, the minimum balance is fixed (10 thousand rubles), and the interest is high enough for a deposit with such conditions. The maximum amount for this tariff is 30 million rubles or a million dollars (which practically does not limit the possibilities of customers). Deposit term - from three months to a year with the possibility of prolongation of the contract. Interest is a relative value and is set depending on the term and amount of the down payment (maximum 9.2%).

Maximum

If you do not plan to withdraw money during the term of the deposit, it will be more profitable to use the "Maximum GROWTH" deposit. At this tariff, the bank offers the best interest rates with their capitalization. In addition, favorable conditions for early termination of the contract are provided. Like the previous one, this deposit can also be replenished during the validity period. As for interest, they reach 10.5% in rubles and 4.5% in foreign currency. There are also significant differences in amounts and terms. Thus, the minimum contribution is lower and amounts to 3 thousand rubles, and the term of the contribution stretches from a month to three years.

There is a convenient calculator on the bank's website, where everyone can calculate the interest on the deposit, depending on the planned amount and term. In addition, the bank's depositors are provided with the possibility of individual and priorityservice. The first is provided when investing funds in the amount of 4.5 million rubles and includes special conditions for banking services, a personal manager, VIP offices, and so on. The second - with a deposit in the amount of 1.5 million rubles. In both cases, the client receives many very pleasant privileges.

Credits: cash

Bank Rost gives loans to private clients for a very large amount - up to two million rubles. The reasons for applying for loans here are formed by the employees of the organization themselves and can be expressed in four words:

• honest - no hidden fees;
• profitable - very low interest rates;
• fast - a decision on the application is made within two days;
• simple - the package of documents is reduced to a minimum (only a passport is required).

What conditions can potential bank borrowers expect? As mentioned above, the maximum loan amount is two million rubles, the minimum is 30 thousand. This money can be borrowed for up to five years (or paid off for six months). In this case, early repayment is possible without any restrictions. The most interesting is the percentage. It can be set at a rate of 17%, which is lower than similar products in many other banks. Annuity payments, and you choose the date of their implementation yourself.

The conditions are sorted out. Now you need to understand how the bank sees its borrower. Requirements are standard - age from 20 to 65 years, work experience of at least threemonths, preferably declarative proof of income (this increases the chances of loan approval and getting a larger loan amount).

Car loans

The previous loan option is suitable for those who plan to use the money for personal or household purposes, for example, for a trip to the sea or for repairs. If your dream is a brand new car, then it is better to use a special product. What is attractive about a car loan issued by Rost Bank? Reviews of car owners who have used this service describe very rosy conditions for its provision. Firstly, this is a minimum package of documents (only a passport and a questionnaire are needed) and the possibility of filling out an application without a visit to the bank. Secondly, low interest rates - from 8.9% in the absence of other commissions. The amount you can count on reaches 10 million rubles, and the term is extended up to 7 years! At the same time, consideration of the application lasts no more than two hours, which brings the borrower even closer to the cherished purchase.

In order to use a loan, you must take out personal insurance (in three categories), have the citizenship of the Russian Federation and be under 55 years of age. This product can be used to purchase commercial vehicles, as well as special equipment.

Affordable mortgage

Today, there are several interesting programs for the purchase of housing offered by Rost Bank. A mortgage issued by this credit institution has the following criteria:

• convenience;
• availability;
• simplicity.

Borrowers planning to buy an apartment on a mortgage can count on a rate of 8.5% per annum. At the same time, a 100% installment plan for making a down payment is provided for housing in new buildings. As such, the use of maternity capital is allowed. Rost Bank invites borrowers to participate in government-supported programs, including Young Scientists, Military Mortgage, and others. It is also possible to take out a mortgage under AHML programs. Any transaction, if the client wishes, will be accompanied by a personal mortgage manager.

Using a special calculator on the bank's website, it is easy to calculate in advance the approximate costs associated with obtaining a loan, as well as find out the approximate monthly payments depending on the term and amount of the loan. As an example, we can cite a loan under one of the most popular programs - "Sessary Housing". With the cost of an apartment of 4 million rubles and a down payment of 30%, the amount of borrowed funds will be 2.8 million rubles. We enter these data into the calculator, as well as the monthly total family income - for example, 80 thousand rubles. If you get a mortgage for 20 years, then the rate will be 13.35%, and the monthly payment will be 33.5 thousand. If you use the AHML state program in this case, then the mortgage interest will drop to 11.85%, and the payment will decrease to 30.5 thousand. By changing the initial data, you can choose the most suitable lending conditions for yourself.

Bank cards: features

What bank today does without plastickart? It is unlikely that there will be one. Rost Bank also has its own interesting developments in this segment. Debit cards are issued, which is due to the conservative policy of the bank. However, they have a number of interesting advantages. So, on the balance of funds on the card you will be charged interest in the amount of 2-4% monthly. You can pay with it in almost any country in the world, and the conversion of funds is carried out in the most profitable way - at the rate of the payment system.

Cards are issued in different categories - from Electron to Infinite and Platinum, have a stylish design, and also provide opportunities for obtaining discounts on car rentals and hotel reservations (under a special system of privileges). With the help of them, you can make purchases on the Internet, pay for the services of mobile and city communications, Internet providers, television, and so on. Credit organization "Rost Bank" has ATMs in all cities of presence. In addition, you can withdraw cash with a "preferential" commission (0.8%) through the AVM of Uralsib Bank.

Useful information for customers

Today, "Rost Bank" has branches in 74 cities of Russia, but continues to actively expand the network of branches and offices in the regions. A Russian citizen living in any locality can get expert advice and become a client of this credit institution.

In order to get detailed information about the bank's products, its services and financial activities, the organization has"Rost Bank" official website, which is located at www.rostbank.ru. It is made in a concise but modern design and differs significantly from the resources of other credit organizations. Here you can find information about the bank itself: information about the history of its establishment and activities, see the ratings of various agencies, financial information, learn about the bank's products and the conditions for their provision, use deposit and loan calculators, and also get other information about Bank Rost "(details, contacts, partners, etc.). Also on the website of the credit organization in the upper left corner there is a link to the Internet bank ("Cyberbank"), by which you can go to your personal account to check accounts or make some financial transactions.

For prompt communication with Rost Bank specialists, the phone number is indicated in the most prominent place at the top of the site. Hotline for free calls - 8(800) 250-88-88, for questions of cooperation and proposals there is an e-mail - [email protected]. The city of location of the main office of the joint-stock company "Rost Bank" - Moscow. In total, there are thirteen of them in the Moscow region - one central and twelve additional ones. On the website of Rost Bank OJSC, the address of the office in your city can be found by selecting the corresponding settlement in the upper right corner and opening the "Contacts" tab. Here you can also find the city number of the bank branch. The central office in Moscow is located on Stanislavskogo street 4/1.

Customer perspective

Of course, every bank has both grateful and dissatisfied customers. At the moment, the people's rating of KO "Rost Bank" is 50.4% out of 100%. This, of course, is not the best indicator, but not bad either. Based on 28 reviews and 13 ratings, the bank today is in 17th place out of 225 (according to the site banki.ru)! This is a positive situation and speaks of the very successful work of the credit institution, the attentive service of specialists and the high level of service.

In order to roughly imagine what the bank's customers are satisfied with and complain about, let's look at some of the reviews they left. In many cities (Kazan, Vladimir, Nizhny Novgorod, etc.), visitors note a pleasant atmosphere in the department itself, attentive service and interest in solving problems by specialists. But one of the clients of Bank Rost (Rostov-on-Don), who made a deposit here, notes that the conditions for deposits are one of the best in the city, the employees are competent and very polite, the office is beautiful. The only drawback that causes inconvenience to customers is that there is only one branch in the city, but in general, everyone likes this bank. Other clients of this bank agree with this opinion, and they also note attractive interest rates on loans. But a resident of St. Petersburg, a permanent depositor of Bank Rost (St. Petersburg), was impressed by the absence of queues, unlike branches of other credit organizations. It produces a positive effect and very attentive staff (the chair is offered for comfortable communication, they explain everything in detail and patiently,open a deposit quickly, and even give a gift).

There are, of course, negative reviews. Some of them are related to the use of ATMs, untimely updating of information on the site (which sometimes leads to unpleasant embarrassment), technical problems, and unfriendly staff. In general, there is room for improvement, and some shortcomings in the work should be eliminated, but in general, the bank deserves praise. The main thing now is to keep our positions at a high level and strive to strengthen them.

Conclusion

Today we got acquainted with the little-known credit organization Rost Bank. The reviews of its customers deserve to be paid attention to and use the services of the bank. Its main advantages are a moderately conservative policy regarding the provision of loans and a focus on satisfying the interests of customers with the maximum benefit for them. Many of those who have already used the services of the bank note rather favorable lending conditions and high deposit rates. In addition, the employees of Rost Bank are often noted in customer reviews as competent and polite specialists, and in fact they are the face of any organization. Thanks to some conservatism in its work, the bank has established itself as a reliable and stable credit institution with which one wants to cooperate for a long time. By the way, "Rost Bank" practically does not advertise itself in any way, and the best source of information about it is word of mouthradio.